When you use apple or android pay, it generates a temporary card number etc and uses that, which means if that payment terminal gets compromised, your card number etc isn’t exposed. Your bank could probably do something similar without Google or Apple as the middleman, but until they do, mobile pay will remain a killer app.

I’ve certainly never met a perscriptivist who I held in higher regard than Mark Twain.

Yeah man, I’m sure you’ll be able to convince the average person that your process is way easier than just launching an app.